LONG TERM: Unlike traditional health insurance, long term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.  You can select a range of care options and benefits that allow you to get the services you need, where you need them.

SHORT TERM: Whether you are working or retired, how an unexpected accident or illness could impact you and your family’s finances.

Health care is changing rapidly and the costs are increasing. Hospital/Home Health Care/Nursing Home confinements is expensive, sometimes resulting in costly rehabilitation and therapy.